Disclaimer for graphic above:1Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Penalty will be imposed for early withdrawal. Penalty will reduce earnings on the account. You have the option of changing your interest rate and corresponding APY one (1) time during the original term of your CD. If you exercise your option, your new interest rate will be equal to the higher rate offered by HFB on CDs of the same class or term and in effect on the date the option to increase is exercised. You may exercise your option any time after your opening date. When you exercise your option, your new interest rate will be in effect for the remaining original term of your CD. Customer MUST request option to increase by phone, mail, or in person. Minimum balance of $500 required to open.

12 Month: This offer is good for the initial 12 month term only. At maturity, CD will automatically renew for a term of 12 months based on the published rate for a 12 month term.

24 Month: This offer is good for the initial 24 month term only. At maturity, CD will automatically renew for a term of 24 months based on the published rate for a 24 month term.

62 Month: This offer is good for the initial 62 month term only. At maturity, CD will automatically renew for a term of 60 months based on the published rate for a 60 month term.

Advertised rates and APY as of 7/17/18, and are offered at the bank’s discretion and may change daily.